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Homeowners

Homeowner Insurance

If you own your home or condo we are here to protect you with coverages customized for your situation.

Why Banterra Insurance?

Banterra Insurance is your one-stop-shop for personal service and expertise on what home coverage is best suited for your needs. We work with various national insurance brands to offer you a home insurance policy that is hard to beat.

COVERAGES AVAILABLE

Coverage Type

Coverage Details

Property

  • Dwelling – Coverage for damage caused to dwelling by a covered peril.
  • Other Structures – Coverage for damage caused to an outbuilding by a covered peril.
  • Household Property – Covering your personal possessions for their replacement value.
  • Scheduled Personal Property – Coverage for high-value items that must be scheduled due to policy coverage limits on that class of property (i.e. guns, furs and jewelry, etc.).
  • Business Personal Property – Coverage for personal property that is used in a business.

Coverage Enhancements Property

  • Loss of Use. Additional Living Expense – Covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter, and related items.

Liability

  • Personal Liability – Coverage for your liability if a bodily injury or property damage claim occurs where you could be liable.
  • Property Of Others Liability – Coverage for property that is not your own, but in your care custody or control.

Medical

  • Medical Payments – Coverage for medical payment to an injured party on your premise regardless if you are liable or not.
  • Pet Coverage – Coverage for illness or injury of your pet.

Other

  • Identity Fraud Expense Coverage – Coverage for reimbursement of cost of restoring your identity after it has been stolen up to the limit of coverage.
DISCOUNTS AVAILABLE

Banterra Insurance offers several discount options for home insurance.

*Discount availability varies by company

Discount Type

Discount Details

Insurance Discounts

  • Multi-Policy Insurance Discount – Ask your agent about multi-policy insurance discounts when you combine home insurance with vehicle or life insurance or when you have policies with more than one home.
  • Advance Quote Discount – A discount for quoting home insurance in advance of renewal.

Customer Discounts

  • Age of Insured Discount – A discount may apply if homeowner is 60 years or older.

Home Discounts

  • Protective Device Discount – Get a discount if your home has smoke detectors, fire extinguishers, sprinklers, deadbolt locks or burglar alarms.
  • Roof Discount – Discount for having a roof that is made with an impact resistant material or for choosing coverage that applies to actual cash value of roof instead of replacement value.
  • Age of Home Discount – Discounts apply based on age of home as well as new construction.

Billing Discounts

  • Billing Plan Discount – A discount for paying policy in full at inception.
Need A Home Mortgage Or Refinance?

Banterra Bank offers competitive rates, online approval qualification and personal service for your home mortgage, refinance or home equity loan needs. Click here to learn more.